Business Details
28 Years
experience
Trusted Mortgage Brokers in Lexington, SC
Founded in 1998 by Al Edens and M-L White, our company was built on the principle of providing trustworthy mortgage solutions tailored to individual needs. With over 25 years of combined experience in the financial industry, we prioritize personalized service while leveraging modern technology to streamline the lending process. Our team offers a single point of contact for clients, ensuring seamless communication from application to closing.We work with multiple lenders to customize loan programs for first-time homebuyers, seasoned investors, and everyone in between. Our 75+ years of collective expertise guarantees competitive rates and a smooth closing experience, whether you're purchasing a home or refinancing an existing mortgage.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
DSCR Loans
Non-QM Loans
Bank Statement Loans
Refinance Loans
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of mortgage industry experience
- Our single point of contact ensures seamless communication
- We provide tailored loan programs for unique financial situations
- Our team has 75+ years of combined lending expertise
- We guarantee competitive rates and efficient closing processes
Associations and certifications
- NMLS
What people say
Competitive rates
Smooth process
Expert guidance
Timely closings
Personalized service
Services
Conventional Loans
Conventional fixed-rate loans offer stable interest rates and predictable monthly payments. Available in 10, 15, 20, 30, and 40-year terms with flexible down payment options. Ideal for borrowers seeking long-term financial planning stability.
FHA Loans
FHA loans provide accessible homeownership opportunities with low down payments and flexible credit requirements. Designed for first-time buyers and those with limited credit history. Backed by the Federal Housing Administration for added security.
VA Loans
VA loans offer zero down payment options and competitive rates for eligible military personnel and veterans. Backed by the Department of Veterans Affairs, these loans provide special benefits including reduced closing costs.
USDA Loans
USDA loans enable zero-down homeownership in eligible rural and suburban areas. Designed for low-to-moderate income borrowers with competitive rates and flexible qualification criteria through the USDA Rural Development program.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional loan limits. Available for luxury homes with tailored terms and underwriting standards. Requires strong credit profile and substantial down payment for qualified borrowers.
People
Al Edens
Managing Partner
With 25+ years of mortgage experience, Al specializes in finding optimal loan solutions. A Columbia native, he combines local market knowledge with personalized service to ensure competitive rates and smooth transactions.
M-L White
Managing Partner
Bringing 25+ years of expertise, M-L focuses on solving complex mortgage challenges. She customizes loan programs for unique financial situations while maintaining the highest standards of integrity and client care.
Christina Geiger
Loan Processor
With 10 years of mortgage processing experience, Christina ensures seamless coordination between clients, underwriters, and closing agents. Her attention to detail guarantees efficient loan processing and timely closings.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, DSCR, non-QM, bank statement, and refinance loans tailored to individual financial situations.
How does the mortgage application process work?
Our single-point-of-contact system guides you through pre-approval, document submission, underwriting, and closing with personalized support at every stage.
Can I refinance an existing mortgage?
Yes, we offer rate-and-term refinancing to lower payments and cash-out options to access home equity with competitive rates and efficient processing.
What credit score is required for approval?
Minimum credit requirements vary by loan type. FHA loans accept scores as low as 580, while conventional loans typically require 620+.
How long does the closing process take?
Most loans close within 30-45 days, depending on property type, loan complexity, and documentation completeness.